Last Updated: 4.30.2024
Here’s what you can expect from us:
- Introduction and Scope
Volt Credit Union strives to serve your needs and to protect your identity and any information we collect about you. This policy covers your interaction with Volt Credit Union to render online services when you visit any mobile or online site or application that we own, including, but not limited to, our website, voltcu.org, and our mobile apps (“Sites”);
- Agreement to Policy
By using a Site or interacting with a Volt advertisement or page or account on a third-party site, or Social Media site you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.
- What Information Do We Collect?
We may collect Personal Information when you enter data into an application for new products or services or when you use our products and services. Personal information may include items such as your name, home or other physical address, Social Security number, telephone number, email address. We do not collect Personal Information from you when you simply browse our Sites. However, our Sites may collect non-Personal Information such as your IP address and device identifier. Some of our products or services
Like many site operators, we collect information that your browser sends whenever you visit our site (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, which pages of our site that you visit, the time and date of your visit, the time spent on those pages and other statistics. This information is used to compile standard statistics on site usage. See below How You Can Control Your Information for information on how to opt-out.
Volt may request or require access to your personal information while you use our site(s)or services such as your phone number, home or email address, or contacts. We will use this information to alert you about service-related events or actions that require your attention, such as when checking for nearby branch and ATM locations. You must grant permission to access your photos, media or other files stored on your device in order to utilize some of the features of our products and services. For example, you must grant permission to use your camera to take a picture to capture images of a check that is being deposited (“remote deposit”). If you do not grant permission for the above, some features and services may not be available. Our general privacy practices regarding your personal information can be found in our privacy policy located at https://voltcu.org/privacy-policy. Under applicable privacy laws, you may have certain rights such as the right to collect your personal information, to have your personal information deleted, and to opt-out of certain processing, sales, or sharing of personal information.
We may allow third-party companies to collect anonymous information (IP address) on our behalf when you visit our site. We use that information to display ads for our products or services when you visit other websites not associated with the credit union.
Our website also uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser; however, please note that if you do this you may not be able to use the full functionality of this website/platform.
For more information on opting out of being tracked by Google Analytics, visit this Google page.
- With Whom Do We Share the Information We Collect?
We may share your Personal Information in accordance with the practices set forth in our consumer Privacy Notice. We do not sell your Personal Information. We may use or share your non-Personal Information to enhance your experience on our Sites, to help deliver our ads on your web browser, and to measure advertising campaign effectiveness.
- Your Account.
If you use any of our Sites or services, you are responsible for maintaining the confidentiality of your Account and password and for restricting access to your device, and you agree to accept responsibility for all activities that occur under your Account or password. Make sure to log out of your Account when you are finished using the service. If your status as a user of the service is terminated, you will (i) stop using the service and any information obtained from the service, and (ii) destroy all copies of your account information, password and any information obtained from the service. We encourage you to use strong passwords that use a combination of upper and lowercase letters, numbers, and symbols, contain at least ten characters, and are not used by you with other services or websites. You agree to provide accurate information when you register. You will immediately notify us of any breach of security or unauthorized use of your Account. We will not be liable for any losses or other damages caused by any unauthorized use of your Account. We may delete your Account and any data in your account at any time and move the location where we store your Account information in our sole discretion. We may suspend your Account and use of a service at any time for any reason including any potential security threat or fraud. You grant us a perpetual, irrevocable, non-exclusive, sublicensable, transferable, and royalty-free right to use, store, copy, transmit and modify any data you submit on the app, and you represent and warrant to us that you have the right to provide such data.
- Links to Third Party Sites.
Hyperlinks from our site(s) or service(s) to websites operated by parties other than Volt are provided for your reference only. We do not control such websites and are not responsible for their content. If we post hyperlinks to other websites, this does not mean that we endorse the material on such websites or associate ourselves with their operators. Your access to and use of such websites, including information, material, products, and services on such website, is solely at your own risk. Furthermore, because the Volt Privacy Policy is applicable only when you are on our website or using one of our services, once linked to another website, you should read that site’s privacy policy before disclosing any personal information.
- Mobile Devices.
To use our mobile app (the “App”), you must have a mobile device that is compatible with the App. We do not warrant that the App will be compatible with your mobile device. You are responsible for any message and data rates from your mobile service provider when you use the App. You must comply with all rules and regulations of your mobile service provider and the mobile app store from which you download the App. If you download the Mobile App from the Apple App Store, you acknowledge and agree that this Agreement is solely between you and Volt, not Apple, Inc. (“Apple”) and that Apple has no responsibility for the App or content thereof. Your use of the App must comply with the Apple Store Terms of Service. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be solely governed by this Agreement and any law applicable to us as provider of the App. You acknowledge that Apple is not responsible for addressing any claims of you or any third party relating to the App or your possession and/or use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation; and all such claims are governed solely by this Agreement and any law applicable to us as provider of the Service. If you download the App from the Google Play Store: (i) you acknowledge that the Agreement is between you and Volt only, and not with Google, Inc. (“Google”); (ii) your use of App must comply with Google’s then-current Google Play Store Terms of Service; (iii) Google is only a provider of the Google Play Store where you obtained the App; (iv) JH, and not Google, is solely responsible for the App; (v) Google has no obligation or liability to you with respect to the App or this Agreement; and (vi) you acknowledge and agree that Google is a third-party beneficiary to the Agreement as it relates to the App. If you decide digital banking is not for you, you can request the deletion of your digital banking access by sending us an email at es******@vo****.org
- Keeping Your Information Accurate
It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at 888.430.7199 or visit a branch. You can also review and request changes to certain Personal Information such as your email address, mailing address, and telephone number on our Sites.
- Policy Updates
We may change our policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to our policy will become effective when posted unless indicated otherwise.
- How You Can Control Your Information
Our Sites are designed for optimal viewing with cookies enabled (cookies are small text files that collect internet traffic data). For example, cookies store your preferences for when you visit our Sites. If your web browser settings allow cookies, our Sites will utilize them. You may disable or remove cookies by accessing your web browser settings. Our Sites will still function without cookies, but some features may not work properly. Please note that due to a lack of consistent standards across browsers, our Sites may not respond to “do not track” browser settings. We do not monitor your online activities after you leave our Sites.
We only use your Personal Information for certain purposes allowed by law. Additionally, you cannot opt out of our sharing non-Personal Information such as your IP address and device identifier.
Some of our Sites engage in online interest-based advertising to enhance your experience and show you advertisements that might interest you. Like many organizations, we and our advertising partners display tailored interest-based advertising using information you make available to us when you interact with our Sites. Interest-based ads, also sometimes referred to as personalized or targeted ads, are displayed to you based on information from activities such as searching on our Sites or visiting websites that contain our content or ads. We do this using a variety of digital marketing networks and ad exchanges, and we use a range of advertising technologies like web beacons, pixels, ad tags, cookies, and mobile identifiers.
To learn more about interest-based ads or to opt-out of receiving third-party interest based ads, please visit sites such as: Google’s Ads Settings, DoubleClick opt-out page, Facebook’s Ads Settings or the Network Initiative opt-out page. Please note that if you opt out of interest-based advertising, you may still see advertisements – they will just not be tailored to your interests. Also note that deleting browser cookies can remove the cookie preferences you have made, so you may need to opt-out again in the future.
By enrolling in, accessing, or using any of our Sites, you agree to be bound by this Agreement and all of its terms without change.
We recommend that you be familiar with the privacy and security policies of the social media sites you use (such as Facebook) and understand how your information can be displayed and used throughout each site as well as other third-party sites that may be linked.
- Children’s Privacy
We do not knowingly collect Personal Information from individuals under the age of 13 who use our Sites without obtaining consent from a parent or legal guardian.
We cannot accept comments from individuals under the age of 13 on any of our Social Media sites.
To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert by clicking here or the Federal Trade Commission’s website by clicking here.
- Social Media Policy
Volt owns profiles on various social media channels, business directories and maintains a blog on the company-owned website. Active social media channels include platforms such as LinkedIn, Twitter, Instagram and Facebook, applications (e.g. App Store, Google Play) and managed business directories such as Google My Business, Bing, and Yelp.
By accessing social media sites managed by Volt Credit Union, you are agreeing to these guidelines.
Privacy and Confidential Information
Volt Credit Union social media is generally available to the public. Never post personal, private or confidential information such as your address, telephone number, account information or password. We are not responsible for anything that may occur if you post your personal, private, or confidential information to a social media site. We will never ask you to provide this type of information through a public channel like social media. If you have any doubt about the confidentiality of certain information, please don’t post it.
Discussion Guidelines
When using a Volt Credit Union social media site, we request that you follow guidelines that will help keep the discussions constructive, relevant, and appropriate. We reserve the right to moderate and delete any content at our sole discretion.
Your post should not contain:
- Illegal Content
- Promotional Spam
- Private or Confidential Info
- Off-Topic Content
- Personal Attacks or Threats
- Infringing Content
- Disparaging, Discriminatory, Hateful, Profane or Provocative Content
- Endorsement
Volt Credit Union has not reviewed all of the third-party sites linked to its social media sites and is not responsible for their contents. The inclusion of any third-party link does not imply endorsement by Volt Credit Union.
Volt Credit Union does not endorse any comments made by its employees, unless they are representatives authorized to comment on behalf of the Credit Union on social media sites.
Volt Credit Union does not endorse or validate assertions or forward-looking statements in the comments. All statements and viewpoints expressed in the comments are strictly those of the commenter alone, and do not constitute an official position of Volt Credit Union.
- Digital Millennium Copyright Act
If you believe in good faith that materials available on a Volt Credit Union site infringe your copyright, you (or your agent) may send us a notice requesting us to remove the material or block access to it. Details on notices and counter-notices are available on the Copyright Office site at www.copyright.gov.